Regent Insurance Plan 2 (Premier Version) is designed for you who have vision and want to have a financial plan for future in which you can pass on the fruits of an industrious life to the next generations infinitely. Our new product benefits help to safeguard your wealth further.

Key Benefits of this Plan:

Up to 6.82%^ Annual Return to Accelerate Wealth Accumulation

This plan distributes annual dividend1 starting form the first policy anniversary. You may leave it in the policy to accumulate over time. Terminal dividend1 will be offered if the policy is surrendered or reaches its maturity, or in the unfortunate event of death of the insured, to further boost you wealth.

Unlimited changes of insured and protection of new insured up to age 1282

After the first policy anniversary, you may change the insured for unlimited times2. The coverage period will be adjusted to the 128th birthday of the new insured. Policy value would have sufficient time for wealth accumulation and can be passed on to the next generations infinitely.

Policy Continuation Option3, let the policy continue to pass on

During the lifetime of the Insured, the Policyowner can assign a Beneficiary. Upon the death of the Insured, the Beneficiary will become the new Policyowner and/ or new Insured. Even if the insured has any accident, the policy can be passed on to the next generations. The coverage period will be adjusted to the 128th birthday of the new insured.

Lock In Terminal Dividend4 to against Market Volatility

You can choose to apply for Automatic Lock In Option or Manual Lock In Option to convert and accumulate your terminal dividend1 in the form of annual dividends1 or withdraw it in times of need. The converted terminal dividend1 will become guaranteed and bring you a stable return. Terminal dividend1 which has been converted into annual dividends1 can also earn interest. Please refers to the product brochure for details.

Whole Life Death Benefit and Full Surrender with Flexible Settlement Options5

In the unfortunate event of the death of the insured, we will pay a death benefit of up to 110% of total premiums paid6, plus accumulated annual dividends and interest1 (if any) for your peace of mind. Please refers to the product brochure for details.

 

While the insured is still alive, the policyowner can choose one of the following options regarding payment to the beneficiary of death benefit for their future in the unfortunate event of the insured’s death: i) A lump sum payment; or ii) Regular payments5 – monthly, semi-annually, or annually over 10, 20, or 30 years; or iii) A lump sum payment for part of the death benefit and the remaining will be paid on a regular basis5.

 

For benefit to be paid to the beneficiary(ies) at regular intervals, the remaining of death benefit (after deduction of a lump sum payment of a certain percentage of the death benefit is paid out, if applicable) must be equal to or more than USD 50,000. The amount of death benefit which is yet to be paid under the death benefit settlement option can also earn interest8.

 

Once the policy has been in force for 5 years, and if the policyowner fully surrender the policy, he or she can choose to receive a lump sum payment7 or receiving surrender payment5 at regular intervals. This option is only available if the surrender payment is equal to or more than USD 50,000. The amount of surrender payment that is yet to be paid can enjoy an interest8.

Premium Holiday9 to Match Your Financial Planning

This plan offers premium holiday9 of up to 4 years. You can apply for a premium holiday9 on or after the 3rd policy anniversary as long as there is no prepaid premium and indebtedness. The premium payment of the next policy anniversary will be suspended and you do not need to worry about the immediate termination of policy. Please refers to the product brochure for details.

Free Premium Waiver10

This plan offers “Waiver of Premium Benefit”10 and “Payor Benefit”10. We will pay the future premiums of the basic plan for you, up to USD 500,000 (maximum total amount of premium waived depends on premium payment period, please refer to the product brochure for details) if you are not able to pay the premium due to the unfortunate event. Please refers to the product brochure for details.

No Medical Underwriting with Multiple Premium Payment Period Options

The application process of basic plan is simple, and no medical check-up is required, this allows you to accumulate wealth with ease. And it offers the options of premium payment periods of 2, 5 and 10 years. If you have opted for a 2-year or 5-year premium payment period, you may choose to pay by lump sum payment, thereby enjoying the benefit of paying up the plan earlier at a lower cost. Interest will also be earned on the prepaid premium11.
Calculate your Returns Now:

Age
0 Years Old
Sex M F
Annual Premium
10,000 USD
Premium Payment Period 2 Years 5 Years 10 Years
Overview of your Returns:

Policy Currency:USD
Total Premium Paid20,000USD
Insured Age:  Year Old
Total Cash
Guaranteed Cash Value
Total Dividend
Profit
Total Death Benefit
At the 1 Policy Year
Drag the button to review the performance at different policy year

* Maximum total amount of premium waived will be subject to the Premium Payment Period, please refers to product brochure for details.

^(1) The total premiums paid of the basic plan is the total amount of premiums due and paid for the basic plan up to the date of the insured's death. If the prepayment option was selected, prepaid premiums in the premium deposit account will not be counted as total premiums paid.

^(2) The above values assume that all premiums are paid in full when due and no Terminal Dividend Lock In Option and Premium Holiday have been exercised.

Above calculations are for reference only, please contact your financial consultant to have an official illustration proposal.

Statement

1. The above summary, result of calculation and information is for reference only and does not constitute financial, investment or taxation advice or advice of whatsoever kind. You shall seek professional advice from your independent advisors if you find it necessary. The calculation result shown here may be different from the result of our underwriting assessment. You should refer to the policy provisions of the relevant product(s) for their full terms and conditions, including without limitation, the exclusion clause.

2. The above summary, result of calculation and information is intended to be issued in Hong Kong only and shall not be construed as an offer to sell, or solicitation to buy or provision of any product of Chow Tai Fook Life Insurance Company Limited outside Hong Kong to any person. Chow Tai Fook Life Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its product in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of Chow Tai Fook Life Insurance Company Limited is illegal under the laws of that jurisdiction.

3. In case of any disputes, Chow Tai Fook Life Insurance Company Limited reserves the rights to make the final and conclusive decision.